Full Doc Home Loans for W-2 and Full Documentation Borrowers
Lendz’s Standard Doc program, also known as a Full Doc home loan, uses traditional income documentation such as W-2s, pay stubs, and tax returns. This loan program gives brokers a clear path for borrowers with verifiable income who still need speed, flexibility, and consistent execution.
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Standard Doc
About program
A full documentation mortgage can be the cleanest option when traditional records already support the borrower’s employment and income. Lendz’s Standard Doc program is designed for W-2 employees, salaried professionals, and other borrowers whose pay history can be verified through W-2s, pay stubs, and tax returns.
Program Highlights
Qualification & Documentation
These guidelines explain how borrowers qualify using traditional income documentation, what's used to verify income, employment, and assets, and what helps a Standard Doc loan move through underwriting more efficiently.
- Minimum 620 FICO
- Income documented with W-2s, pay stubs, and/or tax returns
- No tradeline requirement with 3 credit scores
- Employment gaps reviewed based on history and stability
- Gift funds permitted for eligible down payment, closing costs, and reserves
Loan Structure & Flexibility
These features outline available LTV limits, DTI allowances, cash-out options, and other program flexibilities.
- Up to 90% LTV
- Non-permanent residents eligible up to 90% LTV
- Unlimited cash-in-hand
- Cash-out funds may be used for reserves
Property & Loan Parameters
These guidelines cover eligible property types, occupancy options, and loan amounts supported by the program.
- Single-family residences
- Condos, condotels, and studios
- 2–4 unit properties
- Loan amounts up to $4 million
- Loan amounts up to $5 million for preferred brokers
Required to Disclose
Credit report
(cannot be older than 60 days) - must be merged into the LOS.
Borrowers' ID
(passport or driver's license).
Purchase contract
(if applicable)
Complete loan application
(including income & employment)
Submission form completed
Most recent W2 for 1 or 2 years + most recent paystubs covering at least 30 days AND/OR 1 or 2 years of tax returns.
Required to Underwrite
(in addition to above)
Credit report
(cannot be older than 60 days) - must be merged into the LOS.
Borrowers' ID
(passport or driver's license).
Purchase contract
(if applicable)
Complete loan application
(including income & employment)
Submission form completed
Most recent W2 for 1 or 2 years + most recent paystubs covering at least 30 days AND/OR 1 or 2 years of tax returns.
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FAQ
What is a Full Doc mortgage loan?
A Full Doc mortgage loan verifies income through traditional records such as W-2s, pay stubs, and tax returns. It is designed for borrowers whose income and employment can be documented through a conventional paper trail.
How is a Full Doc home loan different from a bank statement loan?
A Full Doc home loan uses traditional income documentation such as W-2s, pay stubs, and, when applicable, tax returns. A bank statement loan evaluates eligible personal or business deposits and is generally intended for self-employed borrowers whose tax returns do not fully reflect cash flow.
What helps a full documentation loan move cleanly through underwriting?
Submit current, complete, and internally consistent income documents. Explain employment gaps, variable income, liabilities, or other potential questions before underwriting review to reduce avoidable follow-up conditions.
Can a borrower still qualify if they have a gap in employment?
Possibly. Underwriters review the reason for the gap, the borrower’s overall employment history, and the stability of their current employment. Additional documentation or an explanation may be required.
Do borrowers need to pay off debts to qualify?
Not always. Paying off or reducing selected debts may lower the borrower’s debt-to-income ratio and improve qualification, but the best approach depends on the full credit, income, and loan profile.
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